The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,482
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,461
−HK$995/mo
Today · 4.125%
HK$33,456
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,912/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,023
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,962
−HK$953/mo
Today · 4.125%
HK$36,915
baseline
▲ 0.50% · 4.625%
HK$38,861
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,830/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,778
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,953
−HK$1,194/mo
Today · 4.125%
HK$40,147
baseline
▲ 0.50% · 4.625%
HK$42,590
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,294/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,028
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,155
−HK$1,143/mo
Today · 4.125%
HK$44,298
baseline
▲ 0.50% · 4.625%
HK$46,633
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,596/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,074
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,445
−HK$1,393/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,688
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,032
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,347
−HK$1,334/mo
Today · 4.125%
HK$51,681
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,362/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,667
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,430
−HK$1,791/mo
Today · 4.125%
HK$60,221
baseline
▲ 0.50% · 4.625%
HK$63,885
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,442/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,042
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,732
−HK$1,716/mo
Today · 4.125%
HK$66,448
baseline
▲ 0.50% · 4.625%
HK$69,950
+HK$3,502/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,896/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,734 · Scale 2, in force from 26 Feb 2026)